Free Investment Talk At GEMS Modern Academy Dubai, 2:15pm, Tuesday, February 28th, 2017


It started slowly, 3 or 4 years ago.  But the pace is picking up.  Expats in the Middle East have started to talk. 

Their investments have performed like a giant plastic bag sold as a parachute.

Over the past 5 years, the U.S. stock market has increased by more than 100 percent to Wednesday, February 22, 2017.  If you had invested $10,000 in the U.S. stock market, it would have grown to $20,047.  This isn’t the growth rate of a special hot stock.  This reflects the overall growth of the U.S. stock market from February 2012 to February 2017.


$10,000 Invested In U.S. Stocks

February 2012-February 2017



Over the same five-year time period, the global stock market increased by 65.84 percent.  That would have turned $10,000 into $16,584 over the same five years.


$10,000 Invested In Global Stocks

February 2012-February 2017




What if you began to invest 10 years ago, adding $500 a month into global stocks?  In total, you would have added $60,000.  According to, by February 22, 2017 such an investor would have seen their money grow to $99,480.


$500 A Month Into Global Stocks

February 2007-February 2017



If an investor were fairly risk-averse, they may have chosen to put half of that $500 a month into U.S. government bonds, with the rest in global stocks.  In that case, if they invested $500 from February 2007 to February 2017, the $60,000 invested would have grown to $86,860.


$500 Per Month Invested

50% Global Stocks; 50% U.S. Government Bonds




It would have been tough to lose money over the past one, three, five, ten, fifteen, twenty and twenty-five years.  Yes, there were years when the markets did drop.  But if you were patient, you should have made a lot of money.

That said, many expats in the Middle East found a way to lose.  Few of them beat inflation over 10 years or longer.  In most cases, it wasn’t their fault.  They were cold-called at home.  “I can invest your money,” the silver-tongued salesperson said.

Other times, they emailed you at work.

You wondered, “How did they get my number?”

Other firms insisted that you transfer your UK-based pension into a QROPs scheme.  Sometimes, that’s a very bad idea.  Such a move should be determined on a case-by-case basis.  But advisors make huge commissions when they make such a transfer.  To a hammer, everything’s a nail.

 The biggest tragedy, however, is when your employer invites them in.  This is the case with some of the schools in the Middle East.

School administrators rarely know better.  It costs their teachers plenty.  But they, too, are starting to catch on. 

I’ll be speaking at GEMS Modern Academy on Tuesday February 28th.  My 75- minute talk starts at 2:15pm.

So far, more than 300 people have registered to attend.  Please request a spot at the email below.


Tuesday, February  28,  2:15PM –  4:00PM           

GEMS Modern Academy                     

Free to attend. You will need an ID to enter the school.

To reserve a spot, please email:
and cc:




Andrew Hallam

I’m a financial columnist for Canada’s national paper, The Globe and Mail, as well as for AssetBuilder, a financial service firm based in Texas. I’m also the author of Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School (2nd Ed. Wiley 2017) and The Global Expatriate’s Guide To Investing: From Millionaire Teacher to Millionaire Expat (Wiley 2015). My mission is to educate, motivate and inspire people on basic retirement planning and best practices for investing, using evidence-based strategies. I’m happy to comment on your questions. However, please read the Terms of Use, Privacy Policy and the Comments Policy.

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